NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028(NEWTI)Earnings, Financials & Key Ratios

NEWTI•NASDAQ•Banking & Credit

$25.32

$726M mkt cap·10.7× P/E·Price updated May 6, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustrySmall Business and Middle-Market Lending

AboutNewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.Show more

Net Interest Income$105M+160.5%
Total Revenue$322M+1.0%
Net Income$61M+19.0%
Return on Equity17.44%-6.5%
Net Interest Margin3.83%+95.5%
Efficiency Ratio32.83%-26.7%
ROA2.52%-13.6%
Equity / Assets14.48%+0.7%
Book Value per Share15.50+31.8%
Tangible BV/Share13.18+17.9%
Debt/Equity5.64+134.0%

Technical→

NEWTI Key Insights

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong NIM of 3.8%
✓Efficient operations: 32.8% efficiency ratio
✓Momentum leader: RS Rating 94 (top 6%)
✓Well capitalized: 14.5% equity/assets
✓Good 3Y average ROE of 17.1%
✓Healthy dividend yield of 4.3%

✗Weaknesses

✗High debt to equity ratio of 5.6x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

NEWTI Price & Volume

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) stock price & volume — 10-year historical chart

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NEWTI Growth Metrics

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years28.59%

5 Years28.25%

3 Years34.81%

TTM-

Profit CAGR

10 Years5.41%

5 Years12.47%

3 Years23.26%

TTM18.99%

EPS CAGR

10 Years-3.36%

5 Years8.22%

3 Years20.76%

TTM18.88%

Return on Capital

10 Years2.86%

5 Years6.57%

3 Years6.59%

Last Year7.44%

NEWTI Recent Earnings

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 3/7 qtrs (75%)●Beat Revenue 3/7 qtrs (75%)

Q2 2026Latest

Mar 10, 2026

EPS

$0.78

Revenue

$75M

Q1 2026

Jan 29, 2026

EPS

$0.61

Est $0.68

-10.1%

Revenue

$73M

Est $80M

-8.3%

Q4 2025

Oct 29, 2025

EPS

$0.71

Est $0.64

+11.1%

Revenue

$85M

Est $78M

+9.2%

Q3 2025

Jul 28, 2025

EPS

$0.54

Est $0.52

+4.6%

Revenue

$93M

Est $74M

+25.6%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Mar 10, 2026	$0.78	$75M
Q1 2026	Jan 29, 2026	$0.61vs $0.68-10.1%	$73Mvs $80M-8.3%
Q4 2025	Oct 29, 2025	$0.71vs $0.64+11.1%	$85Mvs $78M+9.2%
Q3 2025	Jul 28, 2025	$0.54vs $0.52+4.6%	$93Mvs $74M+25.6%

Based on last 7 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Return on Equity (ROE)	Debt / Equity
NEWTNewtekOne, Inc.Direct Competitor	388.65M	13.48	5.71	1.04%	17.3%	2.07
HTGCHercules Capital, Inc.Direct Competitor	3.02B	16.44	8.89	26.97%	13.18%	1.04
ARCCAres Capital CorporationDirect Competitor	13.76B	19.16	10.30	32.87%	8.11%	1.12
GBDCGolub Capital BDC, Inc.Direct Competitor	3.47B	13.31	9.37	42.5%	5.24%	1.23
TPVGTriplePoint Venture Growth BDC Corp.Direct Competitor	225.54M	5.57	4.57	36.55%	13.09%	1.33
SBCFSeacoast Banking Corporation of FloridaProduct Competitor	3.06B	31.36	19.85	7.49%	5.83%	0.44
CTBICommunity Trust Bancorp, Inc.Product Competitor	1.2B	66.27	14.38	15.23%	11.22%	0.42
HONEHarborOne Bancorp, Inc.Product Competitor	522.22M	12.10	18.33	10.7%	4.56%	0.90

Compare NEWTI vs Peers

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

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Most directly comparable listed peer for NEWTI.

Scale Benchmark

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Larger-name benchmark to compare NEWTI against a more recognizable public peer.

Peer Set

Compare Top 5

vs NEWT, HTGC, ARCC, GBDC

NEWTI Income Statement

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	-11.4M	-16.07M	-20.42M	46.92M	58.45M	12.29M	26.63M	40.3M	104.99M
NII Growth %	-35.04%	-40.97%	-27.11%	329.76%	24.57%	-78.97%	116.68%	51.33%	160.49%
Net Interest Margin %	-2.19%	-2.46%	-2.56%	5.58%	5.53%	1.23%	1.86%	1.96%	3.83%
Interest Income	0	0	0	64.8M	78.97M	38.62M	94.37M	121.42M	161.63M
Interest Expense	11.4M	16.07M	20.42M	17.88M	20.52M	26.32M	67.74M	81.11M	56.64M
Loan Loss Provision	7.89M	5.02M	-6.12M	0	0	0	11.7M	26.22M	22.97M
Non-Interest Income	38.91M	49.52M	88.79M	28.04M	89.31M	92.88M	158.44M	197.43M	160.55M
Non-Interest Income %	100%	100%	100%	30.2%	53.07%	70.63%	62.67%	61.92%	49.83%
Total Revenue	38.91M▲ 0%	49.52M▲ 27.2%	88.79M▲ 79.3%	92.84M▲ 4.6%	168.28M▲ 81.3%	131.5M▼ 21.9%	252.82M▲ 92.3%	318.85M▲ 26.1%	322.17M▲ 1.0%
Revenue Growth %	25.67%	27.24%	79.32%	4.56%	81.26%	-21.86%	92.26%	26.12%	1.04%
Non-Interest Expense	35.4M	40.94M	62.55M	42.34M	62.29M	66.39M	128M	142.83M	105.78M
Efficiency Ratio	90.96%	82.68%	70.45%	45.61%	37.02%	50.49%	50.63%	44.8%	32.83%
Operating Income	-15.78M▲ 0%	-12.5M▲ 20.7%	11.93M▲ 195.4%	32.62M▲ 173.4%	85.47M▲ 162.0%	38.77M▼ 54.6%	45.37M▲ 17.0%	68.69M▲ 51.4%	136.79M▲ 99.1%
Operating Margin %	-40.54%	-25.25%	13.44%	35.14%	50.79%	29.49%	17.95%	21.54%	42.46%
Operating Income Growth %	1.73%	20.74%	195.43%	173.38%	162.01%	-54.63%	17.02%	51.39%	99.14%
Pretax Income	41.16M▲ 0%	36.76M▼ 10.7%	44.3M▲ 20.5%	32.62M▼ 26.4%	85.47M▲ 162.0%	38.77M▼ 54.6%	45.37M▲ 17.0%	68.69M▲ 51.4%	79.98M▲ 16.4%
Pretax Margin %	105.76%	74.23%	49.89%	35.14%	50.79%	29.49%	17.95%	21.54%	24.82%
Income Tax	2.18M	1.08M	3.16M	-999K	1.33M	6.46M	-1.96M	17.84M	19.46M
Effective Tax Rate %	5.29%	2.93%	7.14%	-3.06%	1.55%	16.67%	-4.31%	25.97%	24.34%
Net Income	38.98M▲ 0%	35.68M▼ 8.5%	41.13M▲ 15.3%	33.62M▼ 18.3%	84.14M▲ 150.3%	32.31M▼ 61.6%	47.33M▲ 46.5%	50.85M▲ 7.4%	60.51M▲ 19.0%
Net Margin %	100.16%	72.05%	46.33%	36.21%	50%	24.57%	18.72%	15.95%	18.78%
Net Income Growth %	42.74%	-8.46%	15.3%	-18.27%	150.28%	-61.6%	46.48%	7.45%	18.99%
Net Income (Continuing)	38.98M	35.68M	41.13M	33.62M	84.14M	32.31M	47.33M	50.85M	60.51M
EPS (Diluted)	2.25▲ 0%	1.91▼ 15.1%	2.13▲ 11.5%	1.59▼ 25.4%	3.69▲ 132.1%	1.34▼ 63.7%	1.88▲ 40.3%	1.96▲ 4.3%	2.36▲ 20.4%
EPS Growth %	19.68%	-15.11%	11.52%	-25.35%	132.08%	-63.69%	40.3%	4.26%	20.41%
EPS (Basic)	2.25	1.91	2.13	1.59	3.69	1.34	1.89	1.97	2.40
Diluted Shares Outstanding	17.33M	18.71M	19.33M	21.15M	22.8M	24.2M	24.35M	25.19M	25.65M

NEWTI Balance Sheet

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	2.46M	2.32M	1.76M	2.07M	2.4M	53.69M	154.53M	353.15M	310.29M
Cash & Due from Banks	2.46M	2.32M	1.76M	2.07M	2.4M	53.69M	153.09M	353.15M	310.29M
Short Term Investments	0	0	0	0	0	0	1.44M	0	0
Total Investments	456.69M	541.1M	659.04M	671.19M	758.78M	283.6M	937.44M	1.42B	68.78M
Investments Growth %	32.29%	18.48%	21.8%	1.84%	13.05%	-62.62%	230.55%	51.15%	-95.15%
Long-Term Investments	456.69M	541.1M	659.04M	671.19M	758.78M	283.6M	936M	1.42B	68.78M
Accounts Receivables	8.54M	42.62M	51.17M	52.73M	48.93M	0	74.6M	54.27M	0
Goodwill & Intangibles	19.36M	21.36M	24.41M	26.06M	28.01M	30.27M	30.12M	14.75M	59.52M
Goodwill	0	0	0	0	0	0	25.89M	14.09M	0
Intangible Assets	19.36M	21.36M	24.41M	26.06M	28.01M	30.27M	4.24M	667K	59.52M
PP&E (Net)	0	0	7.99M	6.93M	7.31M	6.48M	5.7M	5.69M	2.79M
Other Assets	12.22M	13.68M	16.07M	23.81M	24.31M	23.64M	161.11M	162.62M	2.3B
Total Current Assets	31.34M	77.21M	89.89M	112.98M	242.54M	654.91M	291.35M	459.88M	310.73M
Total Non-Current Assets	488.27M	576.13M	707.52M	728M	818.41M	343.99M	1.14B	1.6B	2.43B
Total Assets	519.61M▲ 0%	653.34M▲ 25.7%	797.41M▲ 22.1%	840.98M▲ 5.5%	1.06B▲ 25.6%	998.9M▼ 5.5%	1.43B▲ 43.1%	2.06B▲ 44.1%	2.74B▲ 33.2%
Asset Growth %	29.43%	25.74%	22.05%	5.46%	25.63%	-5.46%	43.11%	44.1%	33.25%
Return on Assets (ROA)	8.46%	6.08%	5.67%	4.1%	8.87%	3.14%	3.9%	2.91%	2.52%
Accounts Payable	6.42M	3.1M	2.47M	3.6M	3.08M	13.4M	7.91M	9.22M	42.96M
Total Debt	216.25M	331.63M	441.82M	460.48M	481.11M	547.3M	651.07M	714.54M	2.24B
Net Debt	213.79M	329.31M	440.06M	458.41M	478.71M	493.61M	497.99M	361.39M	1.93B
Long-Term Debt	216.25M	296.93M	401.93M	451.78M	472.05M	483.44M	582.86M	609.8M	2.24B
Short-Term Debt	0	34.7M	30M	0	183K	55.88M	61.26M	98.24M	0
Other Liabilities	6.71M	14.63M	24.2M	29.77M	0	54.89M	55.74M	62.74M	95.35M
Total Current Liabilities	10.15M	45.09M	39.16M	11.38M	10.94M	77.24M	534.91M	1.08B	42.96M
Total Non-Current Liabilities	231.13M	320.8M	436.02M	490.25M	481.11M	546.3M	645.55M	681.29M	2.35B
Total Liabilities	241.28M	365.9M	475.19M	501.63M	652.67M	623.54M	1.18B	1.76B	2.35B
Total Equity	278.33M▲ 0%	287.44M▲ 3.3%	322.23M▲ 12.1%	339.35M▲ 5.3%	403.89M▲ 19.0%	375.36M▼ 7.1%	249.05M▼ 33.7%	296.28M▲ 19.0%	397.57M▲ 34.2%
Equity Growth %	33.11%	3.28%	12.1%	5.32%	19.02%	-7.06%	-33.65%	18.97%	34.19%
Equity / Assets (Capital Ratio)	53.56%	44%	40.41%	40.35%	38.23%	37.58%	17.42%	14.38%	14.48%
Return on Equity (ROE)	15.99%	12.61%	13.49%	10.16%	22.64%	8.29%	15.16%	18.65%	17.44%
Book Value per Share	16.06	15.36	16.67	16.05	17.72	15.51	10.23	11.76	15.50
Tangible BV per Share	14.95	14.22	15.41	14.82	16.49	14.26	8.99	11.18	13.18
Common Stock	369K	379K	411K	439K	483K	492K	492K	526K	573K
Additional Paid-in Capital	247.36M	254.5M	289.96M	316.63M	367.66M	354.24M	200.91M	218.27M	253.83M
Retained Earnings	14.79M	32.57M	31.85M	22.29M	35.74M	20.62M	28.05M	57.77M	94.99M
Accumulated OCI	0	0	0	0	0	0	-148K	-21K	-4K
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	19.74M	19.74M	48.18M

NEWTI Cash Flow Statement

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) cash flow — operating, investing & free cash flow history

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-72.94M	-73.67M	-88.96M	17.76M	140.92M	-62.42M	-169.22M	-153.01M	111K
Operating CF Growth %	-417.31%	-1%	-20.76%	119.97%	693.35%	-144.29%	-171.11%	9.58%	100.07%
Net Income	38.98M	35.68M	41.13M	33.62M	84.14M	32.31M	47.33M	50.85M	60.51M
Depreciation & Amortization	402K	484K	501K	402K	304K	239K	2.88M	1.78M	0
Deferred Taxes	2.18M	1.08M	3.16M	-999K	1.33M	6.46M	-4.8M	10.4M	8.34M
Other Non-Cash Items	-103.43M	-75.14M	-113.32M	-9.09M	-84.08M	-48.99M	-129.34M	-218.81M	-68.74M
Working Capital Changes	-12.03M	-35.76M	-20.43M	-6.17M	139.23M	-52.44M	-88.12M	-1.3M	0
Cash from Investing	-446K	-627K	-126K	-10K	0	-11K	-172.24M	-209.05M	-90.5M
Purchase of Investments	0	0	0	0	0	0	0	-1.18B	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	1000K	1000K
Net Investment Activity	0	0	0	0	0	0	0	-1.18B	1000K
Acquisitions	0	0	0	0	0	0	11.14M	0	0
Other Investing	0	0	0	0	0	0	-182.92M	-63.37M	-153.91M
Cash from Financing	71.02M	85.11M	90.94M	465K	-5.49M	1.18M	344.97M	560.9M	91.97M
Dividends Paid	-28.2M	-32.43M	-40.77M	-42.58M	-70.14M	-64.54M	-14.15M	-441K	-28.04M
Share Repurchases	0	0	-93K	0	0	0	0	-402K	-1.56M
Stock Issued	56.66M	5.2M	33.74M	25.57M	50.01M	2.02M	19.49M	13.82M	5.09M
Net Stock Activity	56.66M	5.2M	33.65M	25.57M	50.01M	2.02M	19.49M	13.42M	3.53M
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Other Financing	-2.33M	1.25M	-3.99M	-904K	-6.87M	-3.38M	-4.84M	482.63M	120.02M
Net Change in Cash	-2.36M▲ 0%	10.81M▲ 558.5%	1.86M▼ 82.8%	18.22M▲ 881.0%	135.44M▲ 643.4%	-61.25M▼ 145.2%	58.4M▲ 195.3%	197.37M▲ 238.0%	1.58M▼ 99.2%
Exchange Rate Effect	0	0	0	0	0	0	1000K	-1000K	0
Cash at Beginning	22.9M	20.54M	31.35M	33.21M	51.42M	186.86M	125.61M	184.01M	19.12M
Cash at End	20.54M	31.35M	33.21M	51.42M	186.86M	125.61M	184.01M	381.37M	20.71M
Interest Paid	0	0	0	0	20.13M	0	66.47M	79.19M	0
Income Taxes Paid	0	0	0	0	0	0	6.88M	7.43M	0
Free Cash Flow	-73.38M▲ 0%	-74.29M▼ 1.2%	-89.08M▼ 19.9%	17.75M▲ 119.9%	140.92M▲ 693.8%	-62.43M▼ 144.3%	-169.68M▼ 171.8%	-153.45M▲ 9.6%	111K▲ 100.1%
FCF Growth %	-406.99%	-1.24%	-19.91%	119.93%	693.8%	-144.3%	-171.79%	9.56%	100.07%

NEWTI Banking Ratios

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	13.22%	15.99%	12.61%	13.49%	10.16%	22.64%	8.29%	15.16%	18.65%	17.44%
Return on Assets (ROA)	7.24%	8.46%	6.08%	5.67%	4.1%	8.87%	3.14%	3.9%	2.91%	2.52%
Net Interest Margin	-2.1%	-2.19%	-2.46%	-2.56%	5.58%	5.53%	1.23%	1.86%	1.96%	3.83%
Efficiency Ratio	102.65%	90.96%	82.68%	70.45%	45.61%	37.02%	50.49%	50.63%	44.8%	32.83%
Equity / Assets	52.08%	53.56%	44%	40.41%	40.35%	38.23%	37.58%	17.42%	14.38%	14.48%
Book Value / Share	14.38	16.06	15.36	16.67	16.05	17.72	15.51	10.23	11.76	15.5
NII Growth	-30.27%	-35.04%	-40.97%	-27.11%	329.76%	24.57%	-78.97%	116.68%	51.33%	160.49%
Dividend Payout	99.98%	72.35%	90.9%	99.11%	126.66%	83.36%	199.76%	29.89%	0.87%	-

NEWTI SEC Filings & Documents

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 6, 2026·SEC

Material company update

Apr 3, 2026·SEC

Material company update

Mar 18, 2026·SEC

10-K Annual Reports

FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

NEWTI Frequently Asked Questions

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) grew revenue by 1.0% over the past year. Growth has been modest.

Yes, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) is profitable, generating $60.5M in net income for fiscal year 2025 (18.8% net margin).

Dividend & Returns

Yes, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) pays a dividend with a yield of 4.32%. This makes it attractive for income-focused investors.

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

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NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) financial analysis — history, returns, DCA and operating performance tools

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NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028(NEWTI)Earnings, Financials & Key Ratios

NEWTI Key Insights

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✗Weaknesses

NEWTI Price & Volume

NEWTI Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

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